Credit Acceptance (CACC) EBITDA Margin (2010 - 2026)
Credit Acceptance's (CACC) quarterly EBITDA Margin came in at 25.62% in Q2 2026, up 883.0% year-over-year from 2.61% in Q2 2025, and down 6.66% quarter-over-quarter from 27.45% in Q1 2026.
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Credit Acceptance (CACC) EBITDA Margin (2010 - 2026) Analysis & Trends
Credit Acceptance has disclosed EBITDA Margin across 17 years of filings, most recently posting 25.62% for Q2 2026.
- In Q2 2026, EBITDA Margin rose 883.0% year-over-year to 25.62%; the TTM figure through Jun 2026 stood at 24.89% (up 350.0% YoY), while the FY2025 annual figure was 21.31%, up 947.0% from the prior year.
- EBITDA Margin came in at 25.62% for Q2 2026 at Credit Acceptance, down from 27.45% in the prior quarter.
- In the past five years, EBITDA Margin ranged from a high of 60.48% in Q1 2022 to a low of 14.05% in Q2 2024.
- Average EBITDA Margin over 5 years is 21.83%, with a median of 23.05% recorded in 2022.
- Year-over-year, EBITDA Margin sank 4991 bps in 2022 and surged 3083 bps in 2025.
- Over 5 years, EBITDA Margin stood at 32.81% in 2022, then sank by 38 bps to 20.3% in 2023, then soared by 52 bps to 30.78% in 2024, then slipped by 22 bps to 24.11% in 2025, then advanced by 6 bps to 25.62% in 2026.
- Per Business Quant data, the three most recent EBITDA Margin figures were 25.62% in Q2 2026, 27.45% in Q1 2026, and 24.11% in Q4 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 44.85% |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 12.63% |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 11.82% |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 25.62% |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 82.92% |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 25.53% |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 47.73% |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 49.45% |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 13.09% |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - | 338.42% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 25.62% |
| Mar 31, 2026 | 27.45% |
| Dec 31, 2025 | 24.11% |
| Sep 30, 2025 | 22.37% |
| Jun 30, 2025 | 16.79% |
| Mar 31, 2025 | 21.99% |
| Dec 31, 2024 | 30.78% |
| Sep 30, 2024 | 15.99% |
| Jun 30, 2024 | -14.05% |
| Mar 31, 2024 | 13.66% |
| Dec 31, 2023 | 20.30% |
| Sep 30, 2023 | 16.72% |
| Jun 30, 2023 | 1.72% |
| Mar 31, 2023 | 24.00% |
| Dec 31, 2022 | 32.81% |
| Sep 30, 2022 | 23.72% |
| Jun 30, 2022 | 28.40% |
| Mar 31, 2022 | 60.48% |
| Dec 31, 2021 | 59.41% |
| Sep 30, 2021 | 68.54% |